I've been going to Dr. Christopher Hayner downtown for several years now and can't rave about him enough. I can't speak to Cigna specifically, but his office manager is an absolute rock star as well. One time I didn't even realize I had an issue with a claim until my next visit, when she casually explained how she'd un-screwed them without even having to bother me. She just knows all the companies and plans cold, and it wouldn't surprise me if she's got a direct-dial network as well. Well worth at least a phone call to discuss your circumstances.